The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$33,402
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,441
−HK$1,056/mo
Today · 4.125%
HK$35,497
baseline
▲ 0.50% · 4.625%
HK$37,657
+HK$2,160/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$70,994/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,156
−HK$1,011/mo
Today · 4.125%
HK$39,167
baseline
▲ 0.50% · 4.625%
HK$41,232
+HK$2,065/mo
Deposit HK$7.32M · loan HK$7.32M · min. income ≈ HK$78,334/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,082
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,329
−HK$1,267/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$45,188
+HK$2,592/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,591
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,787
−HK$1,213/mo
Today · 4.125%
HK$47,000
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,478/mo
Deposit HK$5.86M · loan HK$8.79M · min. income ≈ HK$94,000/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,763
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,217
−HK$1,478/mo
Today · 4.125%
HK$49,695
baseline
▲ 0.50% · 4.625%
HK$52,719
+HK$3,024/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$99,390/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,023
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$53,418
−HK$1,416/mo
Today · 4.125%
HK$54,834
baseline
▲ 0.50% · 4.625%
HK$57,724
+HK$2,890/mo
Deposit HK$4.39M · loan HK$10.25M · min. income ≈ HK$109,668/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,124
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,994
−HK$1,900/mo
Today · 4.125%
HK$63,894
baseline
▲ 0.50% · 4.625%
HK$67,782
+HK$3,888/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$127,788/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,887
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,681
−HK$1,820/mo
Today · 4.125%
HK$70,501
baseline
▲ 0.50% · 4.625%
HK$74,217
+HK$3,716/mo
Deposit HK$1.46M · loan HK$13.18M · min. income ≈ HK$141,002/mo (50% DSR)
Upfront cash ≈ HK$2.01M (deposit + AVD stamp duty HK$549,315 · Scale 2, in force from 26 Feb 2026)